It’s safe to conclude that auto insurance companies don’t want you shop around. Drivers who do rate comparisons are highly likely to switch to a new company because there is a great chance of finding a policy with more affordable rates. Remarkably, a study showed that consumers who routinely compared quotes saved an average of $70 a month as compared to drivers who never shopped around for cheaper prices.
If finding low prices for car insurance is your objective, then learning about how to find companies and compare coverage rates can help simplify the process.
If you want to save money, the best way to get discount Ford F-350 insurance is to compare prices regularly from providers that insure vehicles in New Orleans.
First, spend some time learning about how car insurance works and the things you can control to prevent expensive coverage. Many things that result in higher rates like getting speeding tickets and a negative credit score can be remedied by making minor driving habit or lifestyle changes. Read the full article for information to find cheap prices and find additional discounts you may qualify for.
Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies. View prices
Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, tell your current agent or company of your decision to cancel your existing policy. Submit a down payment and signed policy application for the new policy. As soon as you receive it, safely store the certificate verifying coverage somewhere easily accessible.
A key point to remember is to compare the same level of coverage on each quote and and to get price estimates from as many different insurance providers as possible. This provides the most accurate price comparison and many rates to choose from.
If you have a policy now or just want to save money, use these money-saving tips to reduce premiums and still have adequate protection. Quoting and comparing rates for the best insurance coverage in New Orleans is not that difficult. Shoppers just have to learn the quickest method to quote multiple rates online from multiple companies.
Lowering your Ford F-350 car insurance rates is pretty simple and can save money. The only requirement is to invest a little time comparing price quotes from different insurance companies.
The companies shown below provide free quotes in Louisiana. To find cheap car insurance in New Orleans, we suggest you visit several of them in order to get a fair rate comparison.
Facts and figures for Ford F-350 insurance
The coverage table displayed next covers a range of insurance rates for Ford F-350 models. Learning as much as possible about how insurance prices are calculated can be valuable when making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$246||$516||$844||$50||$252||$1,908||$159|
|F-350 XL Super Cab 4WD||$246||$516||$844||$50||$252||$1,908||$159|
|F-350 XL Super Cab 2WD||$274||$438||$562||$34||$168||$1,476||$123|
|F-350 Super Cab Cabela Package 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 Super Cab Cabela Package 2WD||$274||$516||$562||$34||$168||$1,554||$130|
|F-350 XL Crew Cab 2WD||$274||$516||$562||$34||$168||$1,554||$130|
|F-350 Crew Cab Harley Edition 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 Super Cab Harley Edition 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 Crew Cab King Ranch 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 XLT Crew Cab 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 XL Super Cab Turbo Diesel 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 XLT Super Cab 4WD||$274||$516||$844||$50||$252||$1,936||$161|
|F-350 XLT Super Cab 2WD||$274||$516||$562||$34||$168||$1,554||$130|
|F-350 XL Crew Cab Cabela Package 2WD||$274||$516||$562||$34||$168||$1,554||$130|
|F-350 XL Crew Cab King Ranch 2WD||$274||$516||$562||$34||$168||$1,554||$130|
|F-350 Crew Cab Lariat 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 Crew Cab Cabela Package 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 XL Crew Cab Turbo Diesel 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 Super Cab Lariat 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 XLT Super Cab Turbo Diesel 4WD||$274||$594||$844||$50||$252||$2,014||$168|
|F-350 Super Cab Lariat 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 XL Super Cab Turbo Diesel 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 Super Cab Harley Edition 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 XLT Crew Cab 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 XLT Crew Cab Lariat 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 XLT Crew Cab Harley Edition 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 XL Crew Cab Turbo Diesel 2WD||$302||$516||$562||$34||$168||$1,582||$132|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 Super Cab Harley Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 Super Cab Harley Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 Super Cab XLT Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$302||$594||$844||$50||$252||$2,042||$170|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$302||$594||$562||$34||$168||$1,660||$138|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in New Orleans location which can raise or lower rates greatly.
The illustration below highlights how deductible choice and can influence Ford F-350 premium costs for each different age group. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The chart below visualizes the comparison of Ford F-350 auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or violations, $500 deductibles, single marital status, and no other discounts are factored in.
When to drop comprehensive and collision
There is no definitive guideline for excluding physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Ford F-350 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying over $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Insuring your Ford F-350 just makes sense
Despite the fact that insurance is not cheap in New Orleans, buying insurance may not be optional for several reasons.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability if you drive a vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your F-350 has a loan, it’s guaranteed your bank will make it mandatory that you buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford for a lot more money and force you to pay much more than you were paying before.
- Insurance preserves both your vehicle and your assets. It will also cover most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your car are definitely more than the cost, particularly for liability claims. Today the average American driver is overpaying over $820 a year so shop around every year to ensure rates are competitive.
Smart Consumers Can Cut Their Insurance Prices
Lots of things are used when pricing auto insurance. Some are pretty understandable such as traffic violations, although some other factors are less apparent such as your credit history or how safe your car is. It’s important that you understand the different types of things that play a part in calculating your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that will entitle you to lower insurance prices.
Listed below are some of the major factors companies use to determine rates.
Responsible drivers pay lower costs – Even one ticket can boost insurance rates substantially. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Drivers who have received dangerous violations such as DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to keep their license.
The illustration below illustrates how traffic citations and fender-benders increase Ford F-350 annual premium costs for different ages of insureds. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Credit rating impact insurance premiums – Your credit rating is a large factor in determining what you pay. Therefore, if your credit rating could use some work, you could be paying less to insure your Ford F-350 by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better risks to insure as compared to drivers with lower ratings.
Avoid insurance lapses – Driving without insurance is illegal and you will pay a penalty because you let your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance will get you a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the Louisiana DMV.
Men pay more for insurance – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Both genders get in auto accidents in similar percentages, but the male of the species get into accidents with more damage. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving.
The example below shows the difference between Ford F-350 yearly insurance costs for male and female drivers. The information is based on no violations or claims, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Loss statistics for a Ford F-350 – Companies include the past claim trends for vehicles to determine a rate that will be profitable for them. Vehicles that the data determines to have higher number or severity of losses will have higher rates.
The next table shows the historical loss data for Ford F-350 vehicles. For each policy coverage, the loss probability for all vehicles, regardless of make or model, is a value of 100. Percentage values below 100 indicate a favorable loss history, while values that are above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-350 4WD||78||54|
|Ford F-350 SuperCab 4WD||66||90||98|
|Ford F-350 SuperCrew 2WD||108||232|
|Ford F-350 SuperCrew 4WD||96||134||179||47||44||90|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Discounts for cheaper insurance quotes
Not many people think insurance is cheap, but there could be significant discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but a few need to be asked about prior to receiving the credit.
- Senior Citizens – If you’re over the age of 55, you could receive better insurance rates.
- Clubs and Organizations – Participating in a civic or occupational organization in New Orleans is a good way to get lower rates when shopping for insurance.
- Telematics Data – Drivers that enable their company to monitor their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
- Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease depending on your company.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accident claims.
Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will help reduce your policy premium.
The example below visualizes the comparison of Ford F-350 premium costs with and without discounts applied. The rate quotes are based on a female driver, no violations or accidents, Louisiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.
A few companies that may have these benefits possibly include:
When comparing rates, check with each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be available in New Orleans. If you would like to choose from a list of companies with discount rates in New Orleans, click here.
Tailor your insurance coverage to you
When it comes to insurance from an agent or online, there isn’t really a perfect coverage plan. You are unique and your insurance should unique, too.
For instance, these questions might point out if your insurance needs might need professional guidance.
- Should I put collision coverage on all my vehicles?
- Why do I only qualify for high-risk insurance?
- Will my rates increase for filing one claim?
- Is upholstery damage covered by car insurance?
- Do I need special coverage while pulling a rented trailer?
- What is UM/UIM insurance?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Compare prices but buy from a local neighborhood New Orleans car insurance agent
Certain consumers would prefer to buy from a licensed agent and doing that can be a smart decision Good agents are highly skilled in risk management and will help you if you have claims. One of the great benefits of getting online price quotes is the fact that you can find cheap insurance quotes and still have a local agent.
By using this short form, your coverage information is submitted to local insurance agents who will give you bids for your insurance coverage. You won’t even need to do any legwork since price quotes are sent immediately to you. If you need to compare prices for a specific company, don’t hesitate to jump over to their website and give them your coverage information.
Choosing the best company requires you to look at more than just a low price. Any agent in New Orleans should be forthright in answering these questions:
- In the event of vehicle damage, can you pick the collision repair facility?
- How is replacement cost determined on your vehicle?
- Do they offer accident forgiveness?
- Are they giving you every discount you deserve?
- How long have they worked with personal auto insurance coverage?
- Can you get a list of referrals?
- Does the agency have a good rating with the Better Business Bureau?
- Are they primarily personal or commercial lines agents in New Orleans?
Insurance agent types
If you want to buy insurance from a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can choose from. Agencies in New Orleans can either be independent agents or exclusive agents depending on their employer. Either one can do a good job, but it’s worth mentioning the differences because it can impact the selection process.
Exclusive Insurance Agents
Agents that elect to be exclusive work for only one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are well trained on what they offer which helps them compete with independent agents. A lot of people use the same agent mostly because of loyalty to the company rather than low price.
Listed below is a short list of exclusive agents in New Orleans who can help you get rate quotes.
- Allstate Insurance: Daniel Rahman
701 Dante St c – New Orleans, LA 70118 – (504) 861-2700 – View Map
- Cas Fontenot State Farm®
3201 General De Gaulle Dr #103 – New Orleans, LA 70114 – (504) 366-8686 – View Map
- Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map
Independent Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If they find a lower price, your agent can just switch to a different company and the insured can keep the same agent.
If you are trying to find cheaper rates, you definitely need to check rates from a few independent agents to maximize your price options. Most also have access to different regional companies which may have better rates.
Below are independent agencies in New Orleans that are able to give price quotes.
- Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map
- Underwriters Insurance Agency
10709 Chef Menteur Hwy #1 – New Orleans, LA 70127 – (504) 302-0620 – View Map
- Martin Insurance Agency, Inc
4700 Orleans Ave – New Orleans, LA 70119 – (504) 486-6133 – View Map
Insurance savings summarized
A few companies may not provide internet price quotes and these regional insurance providers sell through independent agents. Cheaper Ford F-350 insurance in New Orleans is attainable both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.
We just showed you a lot of techniques to reduce Ford F-350 insurance premium rates online in New Orleans. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
Helpful learning opportunities
- A Tree Fell on Your Car: Now What? (Allstate)
- What Car Insurance is Cheapest for First-time Drivers in New Orleans? (FAQ)
- Who Has Affordable New Orleans Auto Insurance for Teachers? (FAQ)
- How Much are New Orleans Car Insurance Rates for Handicapped Drivers? (FAQ)
- Who Has Cheap New Orleans Car Insurance for a Honda Civic? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Determining Auto Insurance Rates (GEICO)
- Understanding Your Insurance Deductible (Insurance Information Institute)